Q1. What is UOB Personal Internet Banking? UOB Personal Internet Banking is a specialised platform developed by the United Overseas Bank (UOB) to provide secure banking services over the Internet.

Q2. Why should I choose to do my banking via UOB Personal Internet Banking? UOB Personal Internet Banking lets you access your bank accounts and carry out banking transactions online from anywhere with an Internet connection. UOB Personal Internet Banking is a convenient way to manage your finances, as it is available around the clock.

Q4. Is UOB Personal Internet Banking available 24 hours a day? Yes, you can use UOB Personal Internet Banking 24 hours a day, 7 days a week.

Q5. How can I be sure that the Bank has received my banking instructions? When you successfully complete a transaction, you will be given a transaction reference number on-screen. This applies to all UOB Personal Internet Banking transactions except 'Enquiries'. It is important that you wait for the transaction reference number to appear on your screen before you change screens or exit from UOB Personal Internet Banking. Please take note of this transaction reference number for your future correspondences with the Bank.

Q6. If my Internet connection is lost while I am transacting on UOB Personal Internet Banking, how will I know whether my transaction has been effected? Please check if your transaction has been effected in 'Online Transaction History' under the 'Account Services' feature.

Q7. Is there a fee or cost for using UOB Personal Internet Banking? No, UOB Personal Internet Banking is currently a free service. There is no fee charged for bill payment, fund transfer or performing an enquiry.

Q8. What system setup do I need in order to use UOB Personal Internet Banking? UOB Personal Internet Banking is a specialised platform developed by the United Overseas Bank (UOB) to provide secure banking services over the Internet.

Our recommended system setup for accessing UOB Personal Internet Banking is as follows:

Online application
Submit your personal details online (including your preferred Username and Password), then print and mail the online form to us for our activation.

Q11. I am not a UOB customer. How do I apply for UOB Personal Internet Banking access? To access UOB Personal Internet Banking, you must have an account with the UOB Group. You can visit any UOB Group Branch to open an account and at the same time, apply for UOB Personal Internet Banking.

Q12. How do I activate my access to start using UOB Personal Internet Banking services? Upon receipt of the Username and Password mailers, you can activate your access in any one of the following ways:

Q16. What is the Two-Factor Authentication and how does it work? Two-Factor Authentication (2FA) provides an additional layer of security for verifying the identity of a UOB Personal Internet Banking customer. With Two-Factor Authentication, UOB Personal Internet Banking customers will be required to provide a unique One-Time Password (OTP) in addition to the current Username and Password upon login.

Q17. What is SMS-OTP? SMS-OTP is a one-time password delivered to the mobile phone of a UOB Personal Internet Banking customer. For this option, the customer's mobile phone number must be registered with the Bank.

Note:
Receipt of SMS is dependent on your mobile network operator's roaming service.
If you are overseas, you may wish to consult them to find out more about the delivery of the SMS to you.

Q18. What is Token-OTP? Token-OTP is a one-time password obtained from a security device (Token) issued to UOB Personal Internet Banking customers.

Q19. Is Two-Factor Authentication compulsory and will I be affected by Two-Factor Authentication? As Two-Factor Authentication is compulsory, it will apply to all UOB Personal Internet Banking customers.

Q20. How will I be affected by Two-Factor Authentication? UOB Personal Internet Banking customers are required to enter an additional One-Time Password (OTP) when performing online transactions.

Q21. Why is Two-Factor Authentication important? What does it do for me? Two-Factor Authentication allows the Bank to provide additional security to Internet Banking customers. It ensures that only authorised customers can gain access to account information and transact securely.

Q22. When do I need to carry out Two-Factor Authentication? You are required to carry out Two-Factor Authentication when you perform any of the following transactions:

Q23. What if I have enabled Two-Factor Authentication but do not have my mobile phone or Token with me; and I urgently need to use Personal Internet Banking? In this case, you will be able to login to UOB Personal Internet Banking using your Username and Password to perform balance enquiries only. You will not have access to perform transactional activities.

Q24. I can only view some of my UOB accounts online. I would like to view my other UOB accounts too. How do I go about it? Your de-linked UOB Personal/Joint-OR account number (except Joint UOBAM, SRS accounts, Custody Account) will be reflected in UOB Personal Internet Banking under “Link Account” page for your convenience to have them linked online.

Q25. I have only one account with the UOB Group. Can I apply for another one online? Yes, you can if you have a statement-based retail account. You can open a Current Account, Campus Account, i-Account, FlexiDeposit Account and Uniplus Account through UOB Personal Internet Banking. To do so, simply click on 'Online Applications' > 'Savings/Current Account' upon login.

Q26. Can I link my joint accounts to my Username? Yes, you can do so if your joint account requires only one signature for the authorisation of transactions. Joint accounts and accounts with multiple signing conditions, and all UOB Asset Management joint accounts cannot be linked for online access.

Q27. Can I transfer funds to third-party accounts in UOB or other banks in Singapore? Yes, you can transfer funds to third-party accounts in UOB or other banks in Singapore through UOB Personal Internet Banking.

To do so, you have to login to UOB Personal Internet Banking to make a funds transfer arrangement for the account you wish to transfer funds to. You will only be required to make a funds transfer arrangement ONCE to enable you to transfer funds subsequently to the payee.

When making a funds transfer arrangement, you will be required to enter a One-Time Password (OTP) upon clicking the 'Confirm' button. Once this is done, the new payee will be activated instantly and you can transfer funds to them immediately.

Q28. Why is One-Time Password (OTP) required? This is an additional authentication required for login to UOB Personal Internet Banking, funds transfer arrangement and purchase of cashier's order/demand draft to new beneficiaries. With this added security feature, you can enjoy greater peace of mind knowing that new payees nominated for funds transfers and new beneficiaries for cashier's order/demand draft purchase have been authorised by you.

Q29. How do I terminate my Username? You can visit any UOB Group Branch and complete Part A of the UOB Personal Internet Banking - Information Update Form. Please allow five business days for your Username termination request to be effective.

If you do not wish the Bank to effect these instructions, please login to UOB Personal Internet Banking and delete these instructions.

If you wish to access UOB Personal Internet Banking service again after your Username has been terminated, you can re-apply for the service using a different Username.

Q30. How can I be sure that banking online at UOB Personal Internet Banking is secure? UOB Personal Internet Banking has a system that provides a high standard of security for banking over the Internet. This security system safeguards the confidentiality of your personal account information and banking transactions which employs:

Multiple levels of firewalls

128-bit Secure Sockets Layer (SSL) encryption – currently recognised internationally to be of the highest standard in encryption technology commercially available

A two-tier authentication technology that uses a Username and Password, as well as a One-Time Password obtained via a token or the customer's mobile phone.

Q31. How can I be certain that the web page I am on is secure? Upon login to UOB Personal Internet Banking, check that the website address at the top status bar of your browser changes from http:// to https:// and that a security icon (symbolised by a lock) appears at the bottom status bar of your browser. This indicates that the web page you are on is equipped with encryption technology. You can double click on the security icon to view information pertaining to the security certificate for the web page.

Q32. What additional steps can I take to make my online banking experience even more secure? While the Bank has taken steps to keep your account information secure, you, as a registered user, also play an important role in maintaining the security of your account information.

Keep your UOB Personal Internet Banking Username and Password confidential. Memorise them and NEVER write them anywhere or reveal them to anyone. Please note that no staff member of the UOB Group should ever ask you for your UOB Personal Internet Banking Username and Password for whatever reasons.

You should also change your Password from time to time, using the 'Change Password' feature available on UOB Personal Internet Banking

Before you exit from UOB Personal Internet Banking, always clear your browser's disk cache, especially if you are accessing your account from public terminals. This will prevent your account information from being stored on the terminals. Instructions on how to clear your browser's disk cache are provided on the screen when you select 'Exit' on the UOB Personal Internet Banking website.

You should always log out of UOB Personal Internet Banking before moving on to other websites

Install an effective personal firewall1 on your PC together with anti-virus2 and anti-trojan horse3 software to safeguard your PC from viruses and malicious programmes. Viruses and malicious programmes may damage and/or destroy your personal data if undetected. Some can even capture your password keystrokes or other personal information, and these details can be transmitted to another person without your consent.

1Personal Firewall
Personal firewalls serve two basic functions. They protect your system from unsolicited scans coming from the Internet and usually offer outbound controls as well. An inbound scan will look for and block any uninvited commands, instructions, programmes or messages from entering your system, while outbound controls will look for and block unfamiliar programmes (like viruses and Trojan horses) from trying to send out messages from your computer.

2Anti-Virus Software
Anti-virus software scan your hard disk to locate and remove viruses. To some extent, these products can scan for and possibly remove worms and Trojan horses.

3Anti-trojan Horse Software
Anti-trojan horse software can identify and remove more programmes that act like Trojan horses than anti-virus software can. A Trojan horse programme is usually an innocent programme or utility that you might download on your PC. However, behind the programme's perceived usefulness lurks a function that allows it to damage your computer or steal your personal information. You can refer to our Privacy & Security for more information on Your Role In Safeguarding Your Personal Data And Account Information.

Q33. What should I do if I lose my Password for UOB Personal Internet Banking? If you lose your UOB Personal Internet Banking Password, suspect that the confidentiality of your Password has been compromised, or notice any unusual activity with your account(s), you should notify the Bank immediately by calling 1800 222 2121 (24 hours, toll-free).

Q34. How do I clear my disk cache? To clear your disk cache, just follow these steps: